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    • Okay, just seen this and thought I’d stick a oar in.   If your (old) GP feels that the therapeutic relationship is damaged to the extent that they’re unable to treat you then they’re perfectly within their rights to have a colleague see you. It would appear, in spades, that this is likely the case given the strength of your reaction to a relatively minor occurrence. If that wasn’t / isn’t the case and there was indeed an emergency then the GP concerned did you a favour by not making you wait any longer.    There’s a common misconception that once a patient has left the consultation room that the GP is free to start work on the next patient. If indeed it was an emergency the GP could have well instructed the person to travel directly to a local hospital whilst they call ahead to arrange urgent investigations or treatment which takes time. And please be assured, 40/50 minutes on the telephone to a hospital trying to track down the consultant or ST1 responsible for a particular speciality isn’t uncommon.   By all means ask the PM for an explanation, it’s likely to be very simple. A clear breakdown of therapeutic relationship.  
    • I agree with BN. Do you have anyone to help you like the CAB or welfare rights at the council or a charity? It seems a shame to miss out on money if you're entitled to it.    HB
    • Hi all   I have a court date for speeding and FtF. Court is 140 miles from my home. I have written to the Clerk of the court for transfer to my local court. I haven’t heard back yet after 10 days. Just want to find out if such request can be granted.   Also, I have been asked to go and work abroad for 3 weeks. I finish the posting 3 days after my original court date. Can I ask for adjournment or do I have to reject my job posting?   Every input greatly appreciated.   Thanks all.
    • Hi, I received this reply today to my dated, signed SAR. I also sent a PDF of the SAR to the people manager via e-mail using the internal e-mail system, and it's been acknowledged so they know it's from me. They are clearly messing me around.    "Dear ****   RE: Subject Access Request   Thank you for your letter dated 15 May 2019, regarding your request for data, which we received on 20 May 2019.    As you will be aware the timescale to process GDPR (Data Protection Act 2018) Subject Access Requests is one calendar month from the day after which we receive a request. Any personal data that we may hold on you will be sent to you within the permitted time frame. However, to note that before we release any data that we may hold we will need to confirm your identity to ensure that you are entitled to receive the data.    If you have any further questions or comments relating to this matter, please contact us on *email address*.    Yours sincerely,  *scanned signature* Name People manager Organisation    
    • Thanks for updating, you should take some further advice on this, Its stressful but a large amount of income fr you is at stake.
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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Hi,

 

Like most people say, we've got ourselves into a bit of a mess and worried. Hopefully you will understand what im trying to say.

 

I moved in with my gf five years ago into her nursing accomodation studio flat which is meant for one person only (stated in contract) so we can't really say I live here as it will be breaking the contract. She receives a single occupancy discount and because the flat is only for one person I don't think we can tell the council that I've been staying here so they can remove the discount.

 

Before I moved in with her I was living in a house share in London and as we started to see each other the house where I was sharing was being sold so I had to move out and thought I'd move in here and didn't think the relationship would last this long. I know it's not an excuse but that was my thinking.

 

Now we are trying to move and buy a house together and worried that everything will come back on us. We are looking to buy a house through barratts homes at the moment but we can only get a large enough mortgage with both our names on the mortgage application.

 

My gf would be the primary applicant on the barratts form and me the secondary, would they do a background check on me or is it just the primary applicant?

 

I've looked at some council tax registration forms where they ask for the primary person name and address and how many people are staying at the property. Would the council ask for my previous address or need my name when registering?

 

I know this is wrong but Im just after some knowledge or advice if any. We are not receiving any benefits and do pay the council tax monthly, I'm just worried regarding any background searches just because of my address. The only thing I can think of doing at the moment is changing my address to a 'care of' to my parents address.

 

Thanks in advance

 

rob

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Your Council Tax liability is a totally different matter from your partner's rent contract and should not affect it.

 

Honestly, you should have advised the council tax department when you moved in with your gf and paid the extra 25%.

 

ConsumerActionGroup does not encourage or assist people to try to commit fraud.

 

My advice would be to advise the Council of date you actually moved in.


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Yeah Thanks for that and totally appreciate it.

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so telling the council, im assuming we will just have to pay the 25 percent difference over the last 5 years.

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so telling the council, im assuming we will just have to pay the 25 percent difference over the last 5 years.

 

The Council would normally just rebill you/your partner for the extra 25% for whatever period you were living there.


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ok, I understand the seriousness of the situation. I've been worried about prosecution, prison etc. I worked out we owe £880 in total but I don't know if they add any extra charges. Thanks again

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ok, I understand the seriousness of the situation. I've been worried about prosecution, prison etc. I worked out we owe £880 in total but I don't know if they add any extra charges. Thanks again

 

You probably wouldn't be prosecuted for that amount, especially if you offer a plan to repay. But please don't attempt to deceive either the council or any prospective mortgage company.


PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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ok, I understand the seriousness of the situation. I've been worried about prosecution, prison etc. I worked out we owe £880 in total but I don't know if they add any extra charges. Thanks again

 

Every Local Authority is different, however I have worked for several over the last 20 years and none would prosecute over a misapplied single occupancy discount (especially if you came clean about it of your own volition).


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I'd agree with the previous post - in my authority we would just issue you with an amended council tax demand and take the process through from there as per any normal council tax charge. A prosecution wouldn't be made.

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Thanks everyone for the advice. Wheels are in motion.

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